Personal loans in Flower Hill, NY
Between the 2020 Census base and the 2023 estimate, Flower Hill's population barely changed. Flower Hill is a small community of about 4,791 residents, and a personal loan taken out here is governed by New York statute.
Flower Hill ranks 175th of 595 places in New York, with a population near 4,791. The closest larger place is North Hills, NY about 2 miles away. A lender that serves Flower Hill operates under New York lending statutes and a New York supervisor. Judge Flower Hill offers on total cost, not on how quickly the money arrives.
The Flower Hill data picture
What follows is Flower Hill's place in the Census record, alongside the New York rules that govern a personal loan made here.
- Population: 4,791 residents; Flower Hill is the 175th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: Flower Hill's 4,791 people outrank roughly 71% of the places in New York.
- Population density: about 2,972 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Flower Hill's 1.6 square miles rank 259th of 595 places in New York.
- Share of New York: Flower Hill holds about 0.0% of the state's population, some 4,791 people.
- National standing: Flower Hill ranks 4,954th of 19,457 US places.
- Growth rank: Flower Hill ranks 103rd among New York's 595 places for the 2020-to-2023 change.
- Versus New York: the state average change is -1.1%, while Flower Hill moved 0.0%.
- Density rank: Flower Hill is the 144th most densely settled place in New York.
- Density vs New York: Flower Hill's 2,972 people per square mile compare with a state median of 1,515.
- Location: the Census Gazetteer records it at 40.8075, -73.6756.
- Nearest larger cities: North Hills (2 mi); East Hills (3 mi); Manorhaven (3 mi); Sea Cliff (3 mi); Great Neck Plaza (3 mi). Living near a larger metro rarely changes what is available in Flower Hill.
- Nearest smaller towns: Munsey Park (1 mi); Roslyn Estates (1 mi); Plandome Manor (1 mi).
- Within a 50-mile radius: 100 smaller Census places.
- Within 100 miles: 321 places are larger than Flower Hill.
The New York lending rules that reach Flower Hill
Every row below records a New York rule, its publisher and its retrieval date — the same rules a Flower Hill lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) as of 2026-09-16 |
Inside a Flower Hill personal loan
Most loans made to Flower Hill's 4,791 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Flower Hill loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Flower Hill decides the split between a comfortable payment and the total interest you pay.
Where Flower Hill sits
The Census Gazetteer records about 1.6 square miles of land within Flower Hill, with no significant water area listed. With 4,791 residents, the land area yields roughly 2,972 people per square mile. For the state's biggest city, New York, the distance is roughly 17 miles. A 50-mile radius around Flower Hill takes in 232 places that are larger. By land area it ranks 259th of 595 New York places.
Getting a loan in Flower Hill
Flower Hill is fairly dense, with about 2,972 people per square mile and 232 larger places within 50 miles. A New York licence lets a lender serve Flower Hill without a local office, so branch density does not change what its 4,791 residents are offered. The nearest larger city, North Hills, NY about 2 miles away.
How Flower Hill compares across New York
Against New York's other places, Flower Hill accounts for about 0.0% of the state's population and ranks 175th of 595 by size. Its 2020-to-2023 change ranks 103rd of 595 New York places, putting it near the 83th percentile for growth. At about 2,972 people per square mile, Flower Hill is the 144th most densely settled place in New York. Between 2020 and 2023 the count changed by roughly 1 residents.
Common questions
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Nearby places
- Munsey Park, NY — population 2,765
- Roslyn Estates, NY — population 1,315
- Plandome Manor, NY — population 801
- Plandome, NY — population 1,452
- Roslyn, NY — population 2,990
- Plandome Heights, NY — population 1,002
- North Hills, NY — population 5,370
- Baxter Estates, NY — population 1,006